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Today on the Financial Impact Factor Radio with Paul Petillo, Dave Kittredge and Dave Ng, we are joined by Roger Wohlner, Certified Financial adviser at Asset Strategy Consultants based in Arlington Heights, Ill., where he provides advice to individual clients, retirement plan sponsors, foundations, and endowments. He recently cofounded Retirement Fiduciary Advisors to provide direct investment and retirement planning advice to 401(k) plan participants. Roger also blogs at Chicago Financial Planner and is a columnist for USNews and World Report. The discussion topic: the worthiness of target date funds, a seemingly simple investment that is much more complex than it looks.